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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $172,748 | $81,208+112.7% | $98,920+74.6% | $79,852+116.3% |
| Participation rate | 60.4% | 72.5%-12.1pp | 76.0%-15.7pp | 69.6%-9.3pp |
| Annual return | 14.96% | 60.99%-46.0pp | 196.47%-181.5pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,279 | $1,960+16.3% | $2,689-15.3% | $2,471-7.8% |
| Participant deferral / active EE | $6,821 | $3,265+108.9% | $4,245+60.7% | $3,740+82.4% |
| Admin fee / account holder | $3,038 | $6,013-49.5% | $6,643-54.3% | $5,306-42.7% |